Date Received: 2022-11-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I, XXXX XXXX, am a Consumer/Natural Person. Navy Federal, you are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC 1692a ( 6 ). It has come to my attention and understanding that Navy Federal has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking specified remedy as a Consumer/Natural Person. I am demanding the following : Stop illegal negative reporting activity to ALL consumer reporting agencies and report as positive reports. Cease communication and use of my intellectual property, unless it pertains to the remedy for violations that occurred. Any further communication with the Consumer must be in writing, delivered via mail to the mailing address located below. Again, this is a notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Failure to honor the demands within 14 days of receipt of this notice shall : ( a ) be taken as tacit agreement to the claims set forth, ( b ) grant the Consumer all demanded remedies, and ( c ) may result in litigation XXXX XXXXXXXX Consumer/Natural Person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 ; I was admitted into the hospital for a major XXXX XXXX. My wife was recovering from an XXXX on her XXXX XXXX that took place six weeks earlier. Our joint checking account and debit card with Navy Federal Credit Union was compromised as well as my personal checking account and debit card. Our joint account was hit for over {$1200.00} and my personal checking account was hit for {$380.00}. After recouperating a few weeks, I went through our accounts and noticed a significant amount of money missing. I filed a fraud dispute for both accounts and we were temporarily credited for the losses. We found out that our caregiver who is our nephew used our cards without permission. In XX/XX/2022, the temporary credits were reversed and our accounts debited for the missing money and the reasoning by Navy Federal Fraud was that the cards were present when used. I reiterated my and my wife 's conditions and stated that I was in the hospital when charges were made by my card. Navy Federal Fraud refused to budge and then suspended my debit card privileges for one year despite being a crime victim of debit card fraud. In XX/XX/2022 ; I requested a full review and then never heard back from Navy Federal. On XX/XX/2022 ; I became aware that the accounts under dispute charged off and {$30.00} was taken from my savings account to pay a disputed debt. It appears Navy Federal Credit Union fraud department failed to do a proper investigation and then penalized me by suspending my debit cards for calling them out for not doing a proper investigation. Additionally, if I was responsible for the charges, I would understand the suspension of my debit cards but as a victim of debit card fraud I don't understand why they suspended my debit cards other than for retaliation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85205
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: I posted an ad for a roommate to add to my lease. One guy reached out and shared a check which has more than the rental amount. I asked him why it has more money. He said the company issued a check including rent and all the travel expenses and asked me to deposit it. and also asked me to cut the rent and wire transfer the remaining amount back. I deposited the check on XXXX. I waited until the check deposit transaction is completed in my bank 's online portal then I did a wire transfer on XXXX. Now he reverted the check I deposited and I lost {$5000.00} now. I called my bank XXXX XXXX and requested to take action. They said they filed a case and investigate. Scammer details : Name : XXXX XXXX XXXXXXXX XXXX : XXXX email : XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In recent months, I have requested true and accurate information about all of my accounts from NAVY CREDIT UNION CREDIT. The company has refused to provide me with all of my tax information on file, as well as true and accurate information concerning my account. They are dishonorable and have allowed fraudulent activities to occur on all of my accounts, as well as refusing to allow me to view my true accounting and records. On their online portal, XXXX XXXX XXXX account was added to the list of non-NAVY FEDERAL CREDIT UNION bank accounts. There is a restriction on my access to this account. I have not opened this account, nor have I authorized Navy Credit Union Credit or its associates to open or add this account on my behalf. It is my understanding that they have accepted lawful payment for my credit card account. However, they refuse to update my accounts to paid or provide me with receipts pertaining to any financial credit transaction associated with any of my accounts. By reporting publicly fraudulent information on my credit report, they have ruined my payment history. I have suffered hardship as a result of this and my reputation as a trustworthy customer has been damaged. Their conduct is dishonorable. Specifically, I would like NAVY FEDERAL CREDIT UNION / Associates to provide me with all financial credit transactions pertaining to ALL accounts under my name, as well as Tax forms 1099-A, 1099-C, 1096, and 1099 OID as part of my investigation. ( NAVY FEDERAL CREDIT UNION/ Associates are dishonorable and must fix all credit errors promptly and update the account status to true financial credit transactions. )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Initially, a request was made to validate a debt that was on my credit report under compliant number # XXXX however, the company has created another profile and reported it under my credit profile in an attempt to falsify an official record and tradeline/credit account and potentially attempted to sale the tradeline or credit account as a new debt under an new account number XXXX. Several previous attempts we're made to resolve this matter. This accounts were apparently established in XXXX XXXX when I was XXXX in XXXX and XXXX XXXX It has continued too be reported on my credit report for the last XXXX years. I have sent registered mail asking to validate the debt through a final demand which stated, Final demand to immediately remove all illegalTradelines before legal actions proceed under 15 U.S.C. 1681-1681x. Registered mail was finally sent XXXX and XXXX on XXXX XX/XX/XXXX asking to Please remove from all three reporting agencies immediately. In addition, a formal request was made in the form of a formal letter -formally requesting that they validate all tradeline listings submitted to the three major credit reporting agencies by NAVY FEDERAL CR UNION for me under account numbers XXXX and that Due to possible inaccuracies in these credit reports, I demand that they hereby validate the request in the form of a verified statement by a person with original knowledge of the debt, who can testify under oath that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have beenpayable or reported. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. This is the third and final request to correct, any attempt to subrogate this letter or processes consults malice intent and will be reported as fraudulent and misleading. Within 30 days of this notice, ( no replies were given by competent person ) nor was there any answers to these demands or the associated negative tradelines notations removed from the credit reports. These actions are contraindicate evidence of their intent to abridge one or more civil rights. They have Continued unsubstantiated reporting of possible inaccuracies to third parties which now provide a basis for formal complaints being filed pursuant to federal statute. The time frame as elapsed and i have been adversely and financially impacted with false reporting of tradelines and believe this was also reported as a profit and loss tax deduction. Thank you in advance for your anticipated cooperation. The previous accounts numbers were XXXX and now it has been changed to a new account number XXXX that is completely fraudulent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98032
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Navy Federal BankXXXX XXXX checking account, XXXX XXXX overdraft fee,XXXX, XXXX, {$29.00} Each fee. I called them to get fees returned and they denied me for a XXXX dollar Transaction. I have been reading up on all laws and this is very wrong for a company to hold my money bu charges the client such a heavy fee.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30329
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was used to open a fraudulent account with a credit union named Navy Federal Credit Union in XXXX, VA. The balance is {$7500.00} on a credit card I never opened. I have never been to Virginia. I also called them and requested they remove it from my credit report. XXXX, XXXX credit agencies still show this misinformation on my file. This is my second complaint with this credit union to resolve this issue.. I need to resolve this issue immediately because its affecting my credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: It was some small unauthorized deposits made into my account that I had any control of or anything to do with. I never did business with these people and I have no idea why this happened. In result Navy federal closed down my XXXX account permanently. I feel this was very unfair for me to get punished for something I had no control over. I feel the bank is supposed to protect my money not punish me for my account being hacked. I very upset with this matter. I can't believe what has happened. I want to matter looked into, and I want to make sure I report to matter because now I feel is my money is not safe with institution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Sent Right of Rescission , Affidavit of Truth, Affidavit of Truth that All Accounts are Paid In Full, & Credit Card Prepaid on the XXXX of XXXX, on the XX/XX/XXXX it was delivered. Auto Loan current balance of {$18000.00}. XXXX XXXX XXXXXXXX current balance of {$2000.00}. I've been sent back how its still my obligation to pay this fictitious debt & Fraudulent loan constantly being harassed for a Bill, demand of payment that can't be made due to the fact there is no real money in circulation with which to pay. Although I stated I've accepted for value and returned for value to the sender extinguished due to the fact that the only money you have to extinguish a " debt '' with is your credit - the constitutional credit of the United States- your mutual offset credit exemption exchange.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: back in XXXX someone made a fraudulent purchase on my debit card for XXXX for company called my XXXX i reported it to navy federal imedieately i turned in supporting document i contact the company as well which they confirmed the transaction was fraud because i sent in my card information proving it wasnt me they then told me tell my back request the funds they will approve my bank canceled my card till XXXX i never received my mony and i have no card privleges
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21144
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A